Loan Rates

New Cars: 100% of Value (If Dealer offers lower interest rate, we will match – no lower than 1.5% rate.  This applies to New or Used Car Loans)

12 – 60 Months 3.0%
61 – 72 Months 3.5%

Used Cars: No More Than NADA Value – No Car Loan offered on a car that is over 6 years old.

12 – 60 Months 4.0% 

Existing Car Loans with another Financial Institution may be re-written by the Credit Union using the same terms that fall within the LSTEFCU’s parameters.  Documentation required.

Personal Loans: Subject to Change

12 – 36 Months 6.0% $5,000.00 Maximum Loan
12 – 36 Months 7.0% Minimum Loan $5001.00 – Max $7,500.00

12 – 48 Months 8.5% Minimum Loan $7,501.00 – Max $10,000.00

Home Improvement Loans: Maximum $15,000.00

36 – 60 Months 8.0%

Secured Loan: 5.0%

All LSTEFCU REWRITTEN loans must be increased (added on) by at least

$1,000.00 after a minimum of 12 consecutive payments have been made.

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